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What stage of change is thought to require the most energy and effort?
Effective Rate
The interest rate on a loan or financial product that reflects the compounding periods in a year, presenting a true annual rate of return.
Effective Rate
The interest rate for a loan or financial product recalculated from its nominal rate to represent an annual compound interest rate, paid in arrears.
Nominal Interest
The stated interest rate of a bond or loan, not accounting for inflation or the compounding of interest.
Compounded Quarterly
Interest calculation where the interest earned over a quarter is added to the principal for the calculation of future interest, effectively compounding every three months.
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